IFSC Code of The Satara District Central Cooperative Bank Ltd, Vidyanagar Karad Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Satara District Central Cooperative Bank Ltd's VIDYANAGAR KARAD branch in SATARA, MAHARASHTRA. The branch's IFSC code SDCE0001217 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD is SDCE0001217. The first four letters SDCE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001217 map to this branch in SATARA, MAHARASHTRA.

About The Satara District Central Cooperative Bank Ltd

The Satara District Central Cooperative Bank Ltd operates a wide network of branches across India, including the Vidyanagar Karad branch in Satara. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SDCE0001217.

About this branch

The branch is located at TAL-KARAD,DIST-SATARA. It serves the Satara region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Satara District Central Cooperative Bank Ltd. The IFSC SDCE0001217 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Satara District Central Cooperative Bank Ltd branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VIDYANAGAR KARAD of The Satara District Central Cooperative Bank Ltd — its own 11-character IFSC. The code SDCE0001217 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SDCE0001217 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Satara District Central Cooperative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SDCE0001217 and the account number together uniquely identify the Vidyanagar Karad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SDCE0001217

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SDCE0001217 across all three.

NEFT to The Satara District Central Cooperative Bank Ltd, VIDYANAGAR KARAD using IFSC SDCE0001217

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SDCE0001217, and confirm that the system picks up The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SDCE0001217

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD, ensure your bank's portal accepts IFSC SDCE0001217 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD, use IMPS. With IFSC SDCE0001217 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SDCE0001217 for The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Vidyanagar Karad branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC SDCE0001217

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD is still mapped to IFSC SDCE0001217. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SDCE0001217 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vidyanagar Karad branch

Once you have an account at The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD, the IFSC SDCE0001217 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Vidyanagar Karad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 415124-2164273517.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SDCE0001217

Digital banking channels

Most day-to-day work that customers used to do at the Vidyanagar Karad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SDCE0001217 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Vidyanagar Karad branch sits at TAL-KARAD,DIST-SATARA. If you are travelling from outside Satara, search for the branch on a maps application using the bank name and locality, or call 415124-2164273517 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SDCE0001217 and your account number.

Common mistakes to avoid when using IFSC SDCE0001217

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Satara District Central Cooperative Bank Ltd – VIDYANAGAR KARAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SDCE0001217.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Vidyanagar Karad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCE0001217, however, work 24x7.

Verifying IFSC SDCE0001217 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SDCE0001217 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 415124-2164273517.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCE0001217 belongs to The Satara District Central Cooperative Bank Ltd's VIDYANAGAR KARAD branch, located at TAL-KARAD,DIST-SATARA in SATARA, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.